Settling into a new country can be unpredictable—and sometimes, that means losing a job or having your hours cut unexpectedly. If you’re a newcomer to Canada and facing a sudden drop in income, you’re not alone. Canada has support systems in place to help you get through tough times.
Here’s a guide to the key emergency income supports available, and how you can access them if you find yourself out of work or struggling to make ends meet.
Are Newcomers Eligible for Employment Insurance (EI)?
You may qualify for EI Regular Benefits if you:
- Worked at least 420–700 insurable hours in the last year
- Have a Social Insurance Number (SIN)
- Are actively looking for work and able to work
Benefit: 55% of weekly earnings, up to $668/week, for up to 45 weeks.
Tip: Apply immediately after your last workday to avoid losing benefits.
Temporary Income Support Programs
Check with your provincial or municipal government for:
- Emergency social assistance
- Rent or utility support
- Basic needs or food vouchers
Call 2-1-1 for local program information.
Community-Based Help When You Need It Most
Non-profits and settlement agencies often provide:
- Food banks and grocery cards
- Rent or shelter assistance
- Employment counselling and job leads
- Financial coaching and budgeting help
Trusted organizations: YMCA, Salvation Army, United Way, local immigrant centres
Financial Support for Families
- Canada Child Benefit (CCB) – continues during unemployment
- GST/HST credit – quarterly payments for low-income residents
- School-based meal programs
Tip: File a tax return to access most family-related benefits.
Mental Health and Crisis Support
Support is available through:
- Community health centres
- Public health units
- Newcomer counselling programs
Quote: “I was scared to ask for help. But once I did, I found more support than I expected.” – Nadia, newcomer from Kenya
Final Word: Support Is Out There—Reach for It
Canada’s support system includes financial, housing, food, and emotional help for newcomers in crisis. You’re never alone. Start by calling 2-1-1 or visiting a local immigrant resource centre.
